Which mortgage lender in the Lihue, HI area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Lihue, HI area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Lihue, HI area in terms of interest rate is Bank of Hawaii, with an average “Rate Difference” of -0.09%. This means that, comparing similar borrowers, Bank of Hawaii provided a -0.09% lower interest rate for its customers than other lenders in the area. Bank of Hawaii has a market share of 8.8%. On the other hand, the most popular lender in the Lihue, HI area is Quicken Loans, with a larger market share of 16.7%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.08% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Lihue, HI area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Lihue, HI is Bank of Hawaii. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Wells Fargo Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Castle & Cooke Mortgage. The cheapest VA mortgage provider is Wells Fargo Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Lihue, HI
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Hawaii | -0.09% | 8.84% | |
| Wells Fargo Bank | -0.08% | 7.69% | |
| loanDepot | -0.07% | 6.71% | |
| Castle & Cooke Mortgage | -0.03% | 7.69% | |
| American Savings Bank | -0.03% | 6.87% | |
| American Pacific Mortgage | -0.02% | 5.89% | |
| DHI Mortgage Company Limited | -0.01% | 9.82% | |
| First Hawaiian Bank | 0.03% | 12.60% | |
| HomeBridge Financial Services | 0.04% | 11.78% | |
| SecurityNational Mortgage Company | 0.05% | 5.40% | |
| Quicken Loans | 0.08% | 16.69% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.09% | 8.96% | |
| Bank of Hawaii | -0.09% | 8.68% | |
| loanDepot | -0.04% | 3.64% | |
| American Pacific Mortgage | -0.01% | 8.96% | |
| Castle & Cooke Mortgage | -0.01% | 7.84% | |
| DHI Mortgage Company Limited | -0.00% | 16.81% | |
| American Savings Bank | 0.01% | 3.64% | |
| Quicken Loans | 0.01% | 5.88% | |
| First Hawaiian Bank | 0.04% | 13.17% | |
| HomeBridge Financial Services | 0.06% | 17.37% | |
| SecurityNational Mortgage Company | 0.08% | 5.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Hawaii | -0.09% | 9.06% | |
| loanDepot | -0.09% | 11.02% | |
| Castle & Cooke Mortgage | -0.07% | 7.48% | |
| American Savings Bank | -0.05% | 11.42% | |
| Wells Fargo Bank | -0.04% | 5.91% | |
| American Pacific Mortgage | -0.03% | 1.57% | |
| HomeBridge Financial Services | -0.00% | 3.94% | |
| SecurityNational Mortgage Company | 0.01% | 5.91% | |
| First Hawaiian Bank | 0.01% | 11.81% | |
| Quicken Loans | 0.09% | 31.89% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Hawaii | -0.11% | 9.25% | |
| loanDepot | -0.09% | 6.67% | |
| Wells Fargo Bank | -0.09% | 6.24% | |
| Castle & Cooke Mortgage | -0.05% | 6.88% | |
| American Savings Bank | -0.03% | 8.60% | |
| American Pacific Mortgage | -0.03% | 5.16% | |
| DHI Mortgage Company Limited | -0.02% | 6.24% | |
| First Hawaiian Bank | 0.03% | 13.76% | |
| HomeBridge Financial Services | 0.06% | 11.40% | |
| SecurityNational Mortgage Company | 0.06% | 4.95% | |
| Quicken Loans | 0.08% | 20.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Hawaii | -0.11% | 9.88% | |
| Wells Fargo Bank | -0.11% | 7.91% | |
| loanDepot | -0.05% | 4.35% | |
| American Pacific Mortgage | -0.02% | 9.09% | |
| Castle & Cooke Mortgage | -0.01% | 5.93% | |
| DHI Mortgage Company Limited | -0.01% | 11.46% | |
| American Savings Bank | 0.01% | 4.74% | |
| Quicken Loans | 0.01% | 7.51% | |
| First Hawaiian Bank | 0.04% | 15.42% | |
| HomeBridge Financial Services | 0.07% | 18.58% | |
| SecurityNational Mortgage Company | 0.09% | 5.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| loanDepot | -0.12% | 9.43% | |
| Bank of Hawaii | -0.12% | 8.49% | |
| Castle & Cooke Mortgage | -0.08% | 8.02% | |
| American Savings Bank | -0.06% | 13.21% | |
| American Pacific Mortgage | -0.04% | 0.47% | |
| Wells Fargo Bank | -0.03% | 4.25% | |
| HomeBridge Financial Services | 0.00% | 2.83% | |
| First Hawaiian Bank | 0.02% | 11.79% | |
| SecurityNational Mortgage Company | 0.02% | 4.72% | |
| Quicken Loans | 0.09% | 36.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Castle & Cooke Mortgage | -0.02% | 15.79% | |
| Bank of Hawaii | -0.02% | 1.75% | |
| loanDepot | -0.01% | 1.75% | |
| HomeBridge Financial Services | -0.00% | 17.54% | |
| DHI Mortgage Company Limited | -0.00% | 33.33% | |
| Quicken Loans | 0.00% | 3.51% | |
| American Pacific Mortgage | 0.01% | 10.53% | |
| SecurityNational Mortgage Company | 0.02% | 15.79% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Castle & Cooke Mortgage | -0.03% | 15.22% | |
| HomeBridge Financial Services | -0.00% | 17.39% | |
| DHI Mortgage Company Limited | -0.00% | 41.30% | |
| Quicken Loans | 0.00% | 2.17% | |
| American Pacific Mortgage | 0.01% | 13.04% | |
| SecurityNational Mortgage Company | 0.04% | 10.87% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Bank of Hawaii | -0.02% | 9.09% | |
| loanDepot | -0.01% | 9.09% | |
| SecurityNational Mortgage Company | -0.00% | 36.36% | |
| HomeBridge Financial Services | 0.01% | 18.18% | |
| Quicken Loans | 0.01% | 9.09% | |
| Castle & Cooke Mortgage | 0.01% | 18.18% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.04% | 38.64% | |
| Bank of Hawaii | 0.01% | 20.45% | |
| American Savings Bank | 0.02% | 4.55% | |
| HomeBridge Financial Services | 0.03% | 6.82% | |
| Castle & Cooke Mortgage | 0.03% | 2.27% | |
| First Hawaiian Bank | 0.04% | 27.27% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.05% | 36.67% | |
| Bank of Hawaii | 0.01% | 20.00% | |
| American Savings Bank | 0.02% | 3.33% | |
| HomeBridge Financial Services | 0.03% | 10.00% | |
| Castle & Cooke Mortgage | 0.04% | 3.33% | |
| First Hawaiian Bank | 0.05% | 26.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 42.86% | |
| Bank of Hawaii | 0.00% | 21.43% | |
| American Savings Bank | 0.01% | 7.14% | |
| First Hawaiian Bank | 0.03% | 28.57% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 2.22% | |
| First Hawaiian Bank | -0.02% | 2.22% | |
| SecurityNational Mortgage Company | -0.02% | 2.22% | |
| American Pacific Mortgage | -0.01% | 13.33% | |
| loanDepot | -0.01% | 20.00% | |
| Bank of Hawaii | -0.00% | 2.22% | |
| Castle & Cooke Mortgage | 0.00% | 11.11% | |
| HomeBridge Financial Services | 0.00% | 13.33% | |
| DHI Mortgage Company Limited | 0.01% | 26.67% | |
| Quicken Loans | 0.01% | 6.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Wells Fargo Bank | -0.02% | 3.57% | |
| Quicken Loans | -0.01% | 3.57% | |
| Castle & Cooke Mortgage | -0.00% | 17.86% | |
| American Pacific Mortgage | -0.00% | 10.71% | |
| loanDepot | 0.00% | 7.14% | |
| HomeBridge Financial Services | 0.00% | 14.29% | |
| DHI Mortgage Company Limited | 0.00% | 42.86% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| American Pacific Mortgage | -0.01% | 17.65% | |
| First Hawaiian Bank | -0.01% | 5.88% | |
| SecurityNational Mortgage Company | -0.01% | 5.88% | |
| loanDepot | -0.00% | 41.18% | |
| Bank of Hawaii | 0.00% | 5.88% | |
| HomeBridge Financial Services | 0.01% | 11.76% | |
| Quicken Loans | 0.03% | 11.76% |
* Data is compiled for the Lihue, HI commuting zone area, which comprises of county of Kauai County, HI. This includes cities/towns/communities of Lihue, HI as well as Kalihiwai, HI, Kapaa, HI, Omao, HI, Poipu, HI, Wailua Homesteads, HI, Wailua, HI, Kekaha, HI, Koloa, HI, Kaumakani, HI, and Hanalei, HI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Lihue, HI area. For mortgage lender rankings in other cities, click here.